外文翻译个人住房贷款中不良信贷风险管理研究其他专业.doc

毕业论文外文资料翻译 题 目 个人住房贷款中不良信贷风险管理研究 学 院 经济学院 专 业 金融学 班 级 金融0801 学 生 朱思克 学 号 20082207166 指导教师 刘承伟 二〇一二年四月二十日 Applied Economics, the Dryden Press, 2006 P75-78. Non-performing Loans Management and Recovery William J. Bauman and Alan S. Blinder Abstract With the deepening of Chinas economic system reform development and continuous improvement of the system of the market economy, banks lending business becomes completely open to individuals, personal loans of business growing, continues to expand the scope of business, especially the development of individual housing loan more quickly. Personal housing loan business in China at the time of its development, there are bad credit risks as well as the competitive situation is not optimistic, to a certain extent, hamper the development of individual housing loans, to sustainable development, research management must be strengthened on a number of issues. This article from the current development status of individual housing loan business to start, pointed out that because of the existing problems as well as problems and focus on how to develop personal housing loan bad credit risk reduction, foreign experiences and lessons learned, and thoughts and countermeasures for management, to promote the healthy and rapid development of the business. Key words: Housing loans to individuals; Bad credit risks; present situation; problem; Countermeasure 1. Introduction Under the five-category loan classification, substandard, doubtful and loss loans are defined as non-performing loans. Because the reasons behind non-performing loans formation are different, credit associates must take effective measures to manage, recover and dispose of these parts of asset according to their different characteristics. The bank should first find out the responsibilities of the gua